You want flexibility in premium payment amounts and death benefit coverage

You want to use the policy to accumulate cash value

You want to utilize life insurance tax advantages

You want a competitive interest rate and guarantees but don't want to make investment decisions

If you are unsure which type is right for you, return to Learning About Life Insurance. If you think indexed universal life insurance (flexible premium adjustable life) is the right choice for your life insurance needs, RBC Insurance has what you're looking for.

RBC Indexed Enhanced Universal Life (RBC Index Enhanced UL) is a flexible premium adjustable life insurance policy with an indexed option. With RBC Index Enhanced UL, you will find a straightforward approach for meeting some of your financial needs such as:

Protecting loved ones from economic loss in the event of a premature death

Accumulating cash value with the choice of a guaranteed minimum interest rate or the potential for more growth by earning interest based on the performance of the S&P 500®1

Accessing cash value on a tax-advantaged basis for retirement, emergencies and more2

Transferring assets to loved ones or to a favorite charity income tax free

By offering guarantees and the opportunity for upside potential without downside risk, RBC Index Enhanced UL connects with consumers looking for a balance between risk and reward. This policy is ideal for consumers who:

Have a long-term need for life insurance

Need death benefit protection and cash accumulation

Want greater flexibility and control than is available with traditional life insurance

Seek the opportunity for higher interest returns

Don't like volatility and risks of being in the market

1"Standard & Poor’s", "S&P", "S&P 500", "Standard & Poor’s S&P 500" and "500" are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Liberty Life Insurance Company. RBC Index Enhanced UL is not sponsored, endorsed, sold or promoted by Standard & Poor’s, and Standard & Poor’s makes no representation regarding the advisability of purchasing this product.

2Tax-advantaged access to cash values is provided under the U.S. Internal Revenue Code. A taxable event may occur if the policy lapses or is surrendered.

Products underwritten by Liberty Life Insurance Company. Insurance products are not available in all states. State variations apply. See product descriptions or policies for details. Products contain exclusions and limitations, which affect benefits provided.

RBC Insurance® is the brand name for Liberty Life Insurance Company, a part of the global insurance operations ofRoyal Bank of Canada. ®Registered trademarks of Royal Bank of Canada. Used under license. Insurance issued byLiberty Life Insurance Company, NAIC code 61492.